OTP Financial institution Nyrt. (OTPBF) This autumn 2025 Earnings Name Transcript

Operator

Women and gents, welcome to OTT Financial institution’s Full Yr 2025 Outcomes Convention Name. Please be suggested that this occasion is being recorded. [Operator Instructions] We’re happy to have 2 members of our senior administration with us right now: Peter Csanyi, Chief Govt Officer; and Laszlo Bencsik, Chief Monetary and Strategic Officer. At this level, it is my pleasure at hand over the ground to Peter Csanyi, Chief Govt Officer. Peter, please go forward.

Péter Csányi
CEO & Director

Thanks very a lot. Good afternoon to all of you or good morning, relying on which continent you might be positioned on. It’s extremely good to have you ever right here for the 2025 consequence announcement. As per the same old format, we are going to give a brief presentation on the outcomes, after which we’ll have the Q&A session following thereafter. So kicking off on this web page, you may see that we’ve continued our profitable journey final 12 months in 2025. By way of mortgage e book progress, we’ve achieved a strong sturdy performing 15% natural progress fee, coupled with 22% return on fairness, which is superb, particularly given the excessive leverage ratio, 11% leverage ratio in line with Basel IV, which is principally Tier 1 capital over complete publicity, which is about 1.5, 2x greater than most of our friends. So we will say that our return on fairness has been particularly sturdy. Mixed with secure portfolio high quality, our Stage 3 ratio has been declining barely from 3.6% to three.5%. And as normal, a really sturdy capital place with widespread fairness Tier